Page 5 - 2019 Fontbonne
P. 5
MEDICAL
For many people, nothing is more important than our health and the
health of our family members. This is why Fontbonne offers a robust Note—deductions
medical and pharmacy insurance program to employees. The University for medical
partners with Cigna to administer these beneits. premiums are taken
As an employee of Fontbonne, you continue to have the option of on a pre-tax basis.
choosing between two plans—the Premium Plan and the HSA Plan. You
are encouraged to weigh the below considerations when choosing the
plan which best meets your needs.
What is a Network?
Features of Both Plans A network is a group of providers
z Access to the Cigna Open Access Plus network your plan contracts with at
z Access to full Cigna pharmacy network discounted rates. You are
encouraged to seek care in-
z Coverage for routine preventive care at 100% network whenever possible to
take advantage of the deepest
Premium Plan—Traditional PPO Features discounts and richest beneit
levels.
z Higher per-paycheck premiums with lower deductible
z Flat dollar copays for prescription drugs If you choose to see an out-of-
network provider, you may be
z Flat dollar copays for primary and specialty doctor’s ofice visits balance billed, which means you
will be responsible for charges
z Eligible to participate in the Flexible Spending Account (FSA) above Cigna’s reimbursement
amount.
HSA Plan Features
z Lower per-paycheck premiums with higher deductible, which allows
you to pay for care when you need it
z Certain preventive medications are covered at 100%—no cost to you
z Eligible to participate in the Health Savings Account (HSA)
Fontbonne University 5 5
For many people, nothing is more important than our health and the
health of our family members. This is why Fontbonne offers a robust Note—deductions
medical and pharmacy insurance program to employees. The University for medical
partners with Cigna to administer these beneits. premiums are taken
As an employee of Fontbonne, you continue to have the option of on a pre-tax basis.
choosing between two plans—the Premium Plan and the HSA Plan. You
are encouraged to weigh the below considerations when choosing the
plan which best meets your needs.
What is a Network?
Features of Both Plans A network is a group of providers
z Access to the Cigna Open Access Plus network your plan contracts with at
z Access to full Cigna pharmacy network discounted rates. You are
encouraged to seek care in-
z Coverage for routine preventive care at 100% network whenever possible to
take advantage of the deepest
Premium Plan—Traditional PPO Features discounts and richest beneit
levels.
z Higher per-paycheck premiums with lower deductible
z Flat dollar copays for prescription drugs If you choose to see an out-of-
network provider, you may be
z Flat dollar copays for primary and specialty doctor’s ofice visits balance billed, which means you
will be responsible for charges
z Eligible to participate in the Flexible Spending Account (FSA) above Cigna’s reimbursement
amount.
HSA Plan Features
z Lower per-paycheck premiums with higher deductible, which allows
you to pay for care when you need it
z Certain preventive medications are covered at 100%—no cost to you
z Eligible to participate in the Health Savings Account (HSA)
Fontbonne University 5 5
